VersaBank USA National Association

BankHoldingford, Minnesota
www.versabankusa.com

Total Assets

$747.7M

Total Deposits

$531.5M

Branches

1

Established

1910

TFS Health Grade

$
C

74.3 / 100

Average financial health

How we grade

VersaBank USA National Association is a bank headquartered in Holdingford, Minnesota, established in 1910. With $747.7M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C (74.3/100).

Capital & Safety

Tier 1 Capital Ratio
33.72%(8%)
Total Capital Ratio
43.93%(10%)
Non-Performing Loan Ratio
0.03%

Profitability

Return on Assets (ROA)
1.02%(1%)
Return on Equity (ROE)
2.49%(10%)
Net Interest Margin
3.75%
Efficiency Ratio
58.96%(60%)

Lending & Liquidity

Total Loans
$387.8M
Loan-to-Deposit Ratio
72.91%
Net Charge-Off Ratio
0.17%

Growth

Asset Growth (YoY)
+320.63%
Deposit Growth (YoY)
+712.27%
Net Income
$3.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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